Merry Christmas and Happy Holidays!

This is just a short post to wish you and your family a Merry Christmas and a joyful holiday season. I would like to thank all of you for your support throughout 2018. I’ll be spending today hosting Christmas dinner for family and friends. My Fed weekly summary and my biweekly liquid account summary will be published on Wednesday.

I do have one small banking tip that’s holiday related. If someone in your family belongs to a credit union, you are typically eligible to join that credit union. For most credit unions, only immediate family members can join this way. Immediate family usually includes grandparents, parents, spouses, siblings, grandchildren, and children. In some cases, credit unions allow most all family members to join this way, including uncles, aunts, nephews, nieces and cousins.

So when you’re meeting with family for the holidays, you may want to see if there are any credit unions you can join via a family member. Also, if you’re informing an immediate family member about a deal that you have participated in, like the 4% CD special at INOVA Federal Credit Union, remember that they can join through you. They don’t need to join an association to qualify for membership. In 2013, my brother joined the National Military Family Association to become a PenFed member so he could get that 3.04% 5-year CD. I was already a PenFed member, and I had forgotten to inform my brother that he was eligible for PenFed membership based on my membership.

+1 to all above and kudos for not shutting all comments down due to the stupid and constant non-productive political back-and-forth. Which side doesn’t matter, most people here are just looking to make more money in the future than they are currently. Or maybe I’ve got this site all wrong and I’m just crazy. Here’s to a good 2019, for EVERYBODY.

Dear Ken: Merry Christmas and Happy New Year to you and your family (and to all reading). I am sure that my fellow readers will join me in thanking you for the gift that you give us all year long-- your gift of stewardship and banking expertise, which helps us to make wise financial decisions for our families; and for for our futures.

Beautiful picture Ken...Every year I am beyond grateful for all that you do and it's about time I let you know!I have to say because of you I am more knowledgeable and more financially secure.Thank you for all of this!! Merry Christmas to you and your family.

Happy Holidays, Ken! Allow me to add my kudos and appreciation for such invaluable information throughout the year, including, but not limited to: Your blogs with up-to-the-minute rate changes, details on each institution's terms (opening accounts, deposits, withdrawals, ACH limitations), EWP calculator, and especially your insight, opinions, and advice (CD ladders). It's a shame that millions of folks out there aren't reaping the benefits of this site -- instead, earning the minuscule rates that financial institutions offer. Please keep up the awesome work! With Much Gratitude...

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